Typical SIPP provider
Performance:
6.5%
Additional fee:
0.27%
Get retirement ready
From building your pension to accessing it, we’re with you every step of the way.
Make the most of your pension
5 easy steps to understand your pension and plan your retirement with confidence.
Why transfer your pensions for retirement?
Bring past pensions together into your Smart Pension account and potentially benefit from lower charges and stronger investment performance over time.
Bring your pensions together today
Small changes, big impact
Use the illustration below to see how small differences in fees and performance could make a big difference to your pension over time, potentially leaving you significantly worse off by retirement.
Projected value:
Smart Pension
£0
Projected value:
Typical SIPP provider
£0
Difference at retirement
£0
These illustrated values are not a guarantee of future returns and should not be relied upon as an indication of an individual member's savings growth. Their sole purpose is to highlight the effect of compounding based on different performance returns on pension pots over an extended period. The value of your investment can go down as well as up, and you may get back less than you invested. Returns are not guaranteed
The illustrative example is based on popular SIPP providers offering medium-risk ready-made portfolios (typically 60-80% equities). Please note that SIPP ready-made strategies can fundamentally differ from that of Smart Pension, and therefore may not be directly comparable. Figures at April 2026. Based on 5 performance Smart Pension 5 year performance at 9.3% and SIPP provider median 5 year performance at 6.46%.
Flexible retirement with Smart Retire
From age 55, or whenever you choose to access your retirement savings, Smart Pension helps you plan your way.
You can plan, track, and adjust everything from the account you already use.
Save today, grow tomorrow
You can continue saving into your pension while starting to withdraw money, giving you more flexibility as life changes.
Built-in planning tools
Plan for your future at every stage and explore your retirement options directly in your account.
Everything in one account
No new setup, extra paper or logins, just one familiar place to manage your retirement savings.
Flexible income pot
30%
Rainy day pot
10%
Inheritance pot
15%
Later life pot
45%
Pots for each stage of retirement
Use flexi-access drawdown to take up to 25% of your pension tax-free as a single lump sum. The rest stays invested, split across four pots to suit your needs.
Flexible income pot
Take a monthly income in the early years of retirement.
Rainy day pot
Dip into this pot when you need to and it’ll be in your bank account within eight working days.
Later life pot
Leave money invested for a guaranteed income from an annuity provider later in retirement.
Inheritance pot
Put some money aside to leave behind to loved ones or causes you care about.
Other options
There are other ways you can take your pension, including an annuity or a series of lump sum payments.
Take a series of lump sums
You have the option to continue saving and withdraw lump sums from your savings when it suits you.
Annuity
An annuity turns your pension into a guaranteed income for life or a set term. The amount depends on your annuity rate and personal factors.
Hear from members like you
“Plan what you want to do. Look at your age now and think about what you want to do in retirement”.
